1525 Willow St
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1525 Willow St

D

San Diego, CA 92106

$2,495,000

Soft Appraisal Value: $2,436,200 · 2.4% above estimate

Beds

4

Baths

4

Sqft

2,979

Year Built

1948

Days on Market

86

Property Type

Single Family

HOA/mo

N/A

MLS ID

260001532SD

This property is in San Diego (92106). View neighborhood stats →

Virtual Tour

About This Property

Thoughtfully designed for today’s modern lifestyles, this exceptional Point Loma residence with panoramic water and city views offers two distinct living environments, ideal for multigenerational living, guests, or a refined work-from-home experience. Set on a prime desirable street, the property delivers flexibility, privacy, and elevated design, an increasingly rare combination in coastal San Diego. The main home is anchored by light-filled living spaces and an open-concept kitchen and dining area, perfect for everyday living and entertaining. The layout is intentionally designed to provide separation of spaces, with a private lower-level suite ideal for guests, an executive office, or extended family, offering versatility beyond traditional same-level bedroom configurations. This purposefully design allows for quiet retreat, privacy, and adaptability without compromising comfort or style. A standout feature of the property is the separately metered ADU, completed in 2019 and offering its own private entrance and living space of approximately 750 sq ft. Ideal for multigenerational households, visiting family, or a high-quality rental opportunity, the ADU enhances both lifestyle flexibility and long-term value. Above, an expansive rooftop deck, engineered for a future spa, captures sweeping city and bay outlooks, creating an extraordinary indoor-outdoor experience. Whether seeking a home that accommodates evolving living needs, provides meaningful separation of space, or offers income potential without sacrificing privacy, this residence delivers a compelling alternative to conventional floor plans. Additional highlights include a 2-car detached garage, newly poured hardscape, upgraded underground electrical service to both house and garage with spa circuits, natural gas connections on upper and lower decks, and professionally refreshed landscaping. With a charming covered entry, expansive accordion doors opening to serene outdoor spaces, and meticulous attention to detail at every turn, this remarkable property delivers the ultimate in coastal luxury living—where modern sophistication meets breathtaking bay and skyline vistas in one of San Diego’s most sought-after neighborhoods. Located moments from the waterfront, village amenities, and everything Point Loma has to offer, this property is intentionally planned to offer flexibility, privacy, and ease for today’s lifestyles. Near vibrant restaurants, boutique shopping and a highly walkable neighborhood!

Mortgage Calculator

Est. Monthly Payment

$15,839

Principal & Interest$12,616
Property Tax$2,495
Insurance$728
%($499,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$5,855
Monthly Cashflow

Rent − PITIA

$-9,984
Full Cashflow

Incl. vacancy, PM, maint, capex

$-13,410

Mortgage (P+I)
$12,616
Cap Rate
-0.38%
Cash-on-Cash
-32.25%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.37
Break-even Rent
$23,270

NOI (Annual)
$-9,526
Price-to-Rent

Lower = better for investors

35.5

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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